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@DrMac210 wrote:Received a letter in the mail today that after an account review, Barclay's gave me an auto CLI from $10K to $13K!!
I was sitting at 30% utilization at the time due to settling an OLD private student loan, plus have added several additional accounts since the SM was approved in May.
Maybe Barclay's isn't so bad after all.......
Congratulations!
Keep both your credit and your body in top shape!
congrats
Yes, congrats! This is also one more piece of empirical evidence that Barclays likes balances. They just gave me a 50% auto CLI (from $8k to $12k) while I had 41% util on my Sallie Mae. Was below 6% util overall, but evidence (from the old "Let's put our heads together" thread) is that running balances with Barclays will earn you more and better CLIs than PIFing monthly.
ETA: My 41% util was from a BT. I wouldn't be running that kind of balance unless most of it was at zero %.
Congrats!! Im defenitely following the previous barclay's thread advice and have bt'd and am carrying a balance for the next 6 months so I can get the auto love too!
Congratulations on that auto luv! I am wanting some luv on my Sallie Mae as well when my 6th statement cuts.
The theory hear about carrying a balance with Barclays is pretty interesting though, albeit distressing since I never carry a balance on my Sallie Mae. In fact, I usually make a few payments throughout the month so my balance posts around $100-$150 (less than 10% utilization) on my statement, and then I immediately pay off in full the balance that reports. I wonder if I'm screwing myself out of some auto-luv. Still though, I hate paying interest. I'd rather PIF than pay interest on my balance, but it is still quite the moral dilemma.
Congratulations!
Congratulations on the increase, $3k is a lot of extra money for the holidays